Category Archives for Uncategorized

avoiding estate and gift taxes

Interesting Strategy to Avoid Gift and Estate Taxes

One Strategy to help you avoid gift and estate tax

What’s a GRAT?

A GRAT allows you to remove the future appreciation from your taxable estate. This is a powerful strategy to help mitigate your estate taxes getting even more assets to your heirs.

Why does it matter?

If you have assets that you expect to appreciate over time, do you want your heirs to pay more estate taxes then they have to? Of course not, without a GRAT, your beneficiaries may be exposed to estate and/or gift taxes.

How GRATs work

A GRAT is a certain type of irrevocable trust that you can put your assets into, then you receive an income stream (taxable) for a term you decide. If structured well you can even eliminate the gift tax. At the end of the term, whatever is left in the GRAT goes to your heirs. They are then able to put the money in a new trust with creditor protection.

Obstacles

  1. GRATs are irrevocable. Make sure that you are committed to the strategy because it cannot be changed.
  2. The income stream is taxable. You may need to weigh which is more important to you, the estate taxes or income taxes.
  3. Your mortality is the most important factor in the success of this strategy. If you die during the term, the whole strategy is tainted.
  4. This is an advanced planning strategy and must be carefully administered by competent professionals and comply with the Internal Revenue Code.

Want to ensure you don’t have any gaps or missed opportunities in your wealth planning? Click here to “Stress-Test” your current plan FREE.

Please remember that past performance may not be indicative of future results. Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product (including the investments and/or investment strategies recommended or undertaken by Gold Family Wealth, LLC), or any non-investment related content, made reference to directly or indirectly in this newsletter will be profitable, equal any corresponding indicated historical performance level(s), be suitable for your portfolio or individual situation, or prove successful. Due to various factors, including changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions or positions. Moreover, you should not assume that any discussion or information contained in this newsletter serves as the receipt of, or as a substitute for, personalized investment advice from Gold Family Wealth, LLC. To the extent that a reader has any questions regarding the applicability of any specific issue discussed above to his/her individual situation, he/she is encouraged to consult with the professional advisor of his/her choosing. Gold Family Wealth, LLC is neither a law firm nor a certified public accounting firm and no portion of the newsletter content should be construed as legal or accounting advice. A copy of the Gold Family Wealth, LLC’s current written disclosure statement discussing our advisory services and fees is available upon request. If you are an Gold Family Wealth, LLC client, please remember to contact Gold Family Wealth, LLC, in writing, if there are any changes in your personal/financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services.

investor mistakes

Do you make these 5 Mistakes Investors make?

5 Mistakes that Investors Make

While these mistakes may seem like common sense, avoiding them isn’t always common practice.

1. Excessive and Active Trading

Active trading doesn’t work. It’s not free those costs add up and are a drag on your portfolio, as well as your tax burden (short term gains are taxed as ordinary income).

2. Forecasting and Market timing

Nobody can forecast the market consistently. Even the most well-informed professionals can’t predict consistently all the time. Just be patient. Good things come to those who wait.

3. Bear Markets = Financial Ruin? Not so fast

A bear market is when the stock market drops more than 20%. They typically last about 17–18 months. The one thing they all have in common: they are followed by a bull market that is stronger and has surpassed the old highs. If you carry through a bear market (even buying into it), then you will be more profitable.

4. Following the Financial News

The financial news is the enemy of the long-term investor. It is typically fear-mongering and causes you to make the previous 3 mistakes. If you normally consume the financial news, try going on a 7 day financial news ‘diet’. Then try for 2 weeks, then just stop altogether.

5. Your More Successful Buddy

Stop trying to ‘keep up with the Jones’’. The strategy that is right for them may not be the same for you. Make sure you customize your plans with what is aligned with you. Work with your advisor to see if something makes sense, don’t just follow someone else blindly.

Want to ensure you don’t have any gaps or missed opportunities in your wealth planning? Click here to “Stress-Test” your current plan FREE.

Please remember that past performance may not be indicative of future results. Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product (including the investments and/or investment strategies recommended or undertaken by Gold Family Wealth, LLC), or any non-investment related content, made reference to directly or indirectly in this newsletter will be profitable, equal any corresponding indicated historical performance level(s), be suitable for your portfolio or individual situation, or prove successful. Due to various factors, including changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions or positions. Moreover, you should not assume that any discussion or information contained in this newsletter serves as the receipt of, or as a substitute for, personalized investment advice from Gold Family Wealth, LLC. To the extent that a reader has any questions regarding the applicability of any specific issue discussed above to his/her individual situation, he/she is encouraged to consult with the professional advisor of his/her choosing. Gold Family Wealth, LLC is neither a law firm nor a certified public accounting firm and no portion of the newsletter content should be construed as legal or accounting advice. A copy of the Gold Family Wealth, LLC’s current written disclosure statement discussing our advisory services and fees is available upon request. If you are an Gold Family Wealth, LLC client, please remember to contact Gold Family Wealth, LLC, in writing, if there are any changes in your personal/financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services.

loss of key player

How to protect your business if a KEY employee dies

Do you have a plan in place if you lose a KEY player on your team?

If someone is important to your business (not the rank and file, but someone who is seemingly irreplaceable) dies or leaves the company, are you prepared?

1. Offset revenue losses

2. Funds may be needed to ensure business continuity

You need to make sure to have the funds in place while you bridge the gap training a new person.

3. Funds to recruit and train qualified talent

Your solution: Key Person Life Insurance

This ensures that you have the money available when you need it most.

How it works:

  • Company buys life insurance on key personnel (if they aren’t around, the business would suffer)
  • If a key person on the policy dies, the company collects from the life insurance that was purchased.

Obstacles:

  • Insurability
  • Make sure to revisit your strategy to ensure it isn’t out of date
  • Understand how to value a key person
  • Premiums are NOT tax-deductible

3 Basic Ways to Value Key People

1: Multiples of total compensation

2: Cost of replacement

3: Contribution to the company profits

Want to ensure you don’t have any gaps or missed opportunities in your wealth planning? Click here to “Stress-Test” your current plan FREE.

Please remember that past performance may not be indicative of future results. Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product (including the investments and/or investment strategies recommended or undertaken by Gold Family Wealth, LLC), or any non-investment related content, made reference to directly or indirectly in this newsletter will be profitable, equal any corresponding indicated historical performance level(s), be suitable for your portfolio or individual situation, or prove successful. Due to various factors, including changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions or positions. Moreover, you should not assume that any discussion or information contained in this newsletter serves as the receipt of, or as a substitute for, personalized investment advice from Gold Family Wealth, LLC. To the extent that a reader has any questions regarding the applicability of any specific issue discussed above to his/her individual situation, he/she is encouraged to consult with the professional advisor of his/her choosing. Gold Family Wealth, LLC is neither a law firm nor a certified public accounting firm and no portion of the newsletter content should be construed as legal or accounting advice. A copy of the Gold Family Wealth, LLC’s current written disclosure statement discussing our advisory services and fees is available upon request. If you are an Gold Family Wealth, LLC client, please remember to contact Gold Family Wealth, LLC, in writing, if there are any changes in your personal/financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services.

buy-sell agreement

Three Steps to establishing a successful Buy Sell agreement

Have you ever wondered what would happen if, G-d forbid, your business partner died?

This is often not planned out, and the surviving co-owner ends up working with the spouse or other heir of the partner. This is not usually the ideal situation.

What is a buy-sell agreement?

A legal contract between 2 or more co-owners that guarantees a price and a buyer if something were to happen in the future.

Consider these three things:

  • Do you want to be in business with your partner’s spouse or heirs?
  • Do you want your partner’s heirs to lose that stream of income if something happens to your partner?
  • Do you want to deal with legal issues?

Without having a buy-sell in place, these are the issues that come up.

How does a buy-sell agreement work?

3 Steps:

1: Value

-How much is the company worth?

-Formulaic vs Process

-Have a valuation expert help and update the agreement over time as the business grows and changes (every 2–3 years)

2: Fund

-How is the agreement going to be funded?

-4 Ways to fund (can be done in combination):

  • Cash-flow
  • Borrow
  • Sinking fund
  • Life insurance

-Take into account future projections of the business when getting funding together to ensure you have enough if/when the time comes.

3: Type

-Two main types

  • Cross Purchase-Works well with fewer people involved
  • Entity Redemption-Ideal for business with multiple co-owners

Want to ensure you don’t have any gaps or missed opportunities in your wealth planning? Click here to “Stress-Test” your current plan FREE.

Please remember that past performance may not be indicative of future results. Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product (including the investments and/or investment strategies recommended or undertaken by Gold Family Wealth, LLC), or any non-investment related content, made reference to directly or indirectly in this newsletter will be profitable, equal any corresponding indicated historical performance level(s), be suitable for your portfolio or individual situation, or prove successful. Due to various factors, including changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions or positions. Moreover, you should not assume that any discussion or information contained in this newsletter serves as the receipt of, or as a substitute for, personalized investment advice from Gold Family Wealth, LLC. To the extent that a reader has any questions regarding the applicability of any specific issue discussed above to his/her individual situation, he/she is encouraged to consult with the professional advisor of his/her choosing. Gold Family Wealth, LLC is neither a law firm nor a certified public accounting firm and no portion of the newsletter content should be construed as legal or accounting advice. A copy of the Gold Family Wealth, LLC’s current written disclosure statement discussing our advisory services and fees is available upon request. If you are an Gold Family Wealth, LLC client, please remember to contact Gold Family Wealth, LLC, in writing, if there are any changes in your personal/financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services.

Charitable Impact

One Powerful Strategy to pay less tax, boost your wealth and make an impact

Explore a Powerful Wealth Planning Tool

Interesting strategy to help you pay less taxes, receive a stream of income, and make an impact to causes you are passionate about.

Lets learn about the

Charitable Remainder Trust (CRT)

-Add Capital

  • Cash or Stock

-Immediate Tax Deduction

-If using appreciated stock, when you sell it, there is no capital gains tax

-You can set up a stock portfolio within the trust and that additional income is tax-deferred, similar to an IRA or 401K.

-Once you have a CRT set up, you get a stream of income for a term of years (for you or someone you name)-This is the only amount taxed

-Whatever amount remains (has to be at least 10%) after the term of distributions, the remainder goes to a charity to make the world a better place

Two Types of CRT

-Charitable Remainder Annuity Trust (CRAT)

  • You select a fixed amount for your stream of income. If the value of the trust varies, you continue to receive the amount originally selected.
  • You cannot add additional money to the trust.
  • Ideal for a one-time situation.

-Charitable Remainder Unitrust (CRUT)

  • You choose a percentage of the current market value (CMV) for your income stream. If the market value decreases, so will your income stream.
  • You can add money to the trust over the term.
  • Ideal if you are looking to maximize your income in a high-growth portfolio within the trust.

Want to ensure you don’t have any gaps or missed opportunities in your wealth planning? Click here to “Stress-Test” your current plan FREE.

Please remember that past performance may not be indicative of future results. Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product (including the investments and/or investment strategies recommended or undertaken by Gold Family Wealth, LLC), or any non-investment related content, made reference to directly or indirectly in this newsletter will be profitable, equal any corresponding indicated historical performance level(s), be suitable for your portfolio or individual situation, or prove successful. Due to various factors, including changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions or positions. Moreover, you should not assume that any discussion or information contained in this newsletter serves as the receipt of, or as a substitute for, personalized investment advice from Gold Family Wealth, LLC. To the extent that a reader has any questions regarding the applicability of any specific issue discussed above to his/her individual situation, he/she is encouraged to consult with the professional advisor of his/her choosing. Gold Family Wealth, LLC is neither a law firm nor a certified public accounting firm and no portion of the newsletter content should be construed as legal or accounting advice. A copy of the Gold Family Wealth, LLC’s current written disclosure statement discussing our advisory services and fees is available upon request. If you are an Gold Family Wealth, LLC client, please remember to contact Gold Family Wealth, LLC, in writing, if there are any changes in your personal/financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services.

Life insurance reasons

Don’t buy life insurance until you ask these THREE questions!

#1: Do you even need life insurance?

The only reason you need life insurance is if you lack the financial resources to fill a financial gap if you were to die

3 Common Gaps

-Family

  • Maintain quality of life

-Financial Obligations

  • Estate taxes
  • Buy out business partner

-Charitable Impact

#2: How much life insurance do you need?

  • Run a cash-flow analysis
  • Then reverse engineer the amount to cover costs a certain # of years
  • Think about equality between family members if that’s important to you (take business and other inheritances into account)

#3: How should you pay for your life insurance?

-Out of pocket (premium paid to insurance company)

-Third Party (someone else is paying, ie parent, business)

  • Keep in mind, there are rules involved
  • Get qualified financial advice first

-Borrow

  • More complicated
  • Get qualified, competent financial advice from someone who specializes in risk management and focus on premium financed life insurance

-Business Owner BONUS!

  • Certain retirement plans (specialized defined benefit plans or defined benefit focus plans) have built-in life insurance policies
  • Decreases taxes, boosts retirement and life insurance
  • Not every business owner qualifies, so check with a qualified financial professional to see if you qualify

Obstacles

Life insurance is often sold aggressively, without regard to the buyers needs. Always be sure to get a second opinion from an expert before investing. Know your options!

Want to ensure you don’t have any gaps or missed opportunities in your wealth planning? Click here to “Stress-Test” your current plan FREE.

Please remember that past performance may not be indicative of future results. Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product (including the investments and/or investment strategies recommended or undertaken by Gold Family Wealth, LLC), or any non-investment related content, made reference to directly or indirectly in this newsletter will be profitable, equal any corresponding indicated historical performance level(s), be suitable for your portfolio or individual situation, or prove successful. Due to various factors, including changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions or positions. Moreover, you should not assume that any discussion or information contained in this newsletter serves as the receipt of, or as a substitute for, personalized investment advice from Gold Family Wealth, LLC. To the extent that a reader has any questions regarding the applicability of any specific issue discussed above to his/her individual situation, he/she is encouraged to consult with the professional advisor of his/her choosing. Gold Family Wealth, LLC is neither a law firm nor a certified public accounting firm and no portion of the newsletter content should be construed as legal or accounting advice. A copy of the Gold Family Wealth, LLC’s current written disclosure statement discussing our advisory services and fees is available upon request. If you are an Gold Family Wealth, LLC client, please remember to contact Gold Family Wealth, LLC, in writing, if there are any changes in your personal/financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services.

Financial Family Office

What is a family office, and how can you have one even if you’re not super-rich?

A family office:

  • Supports the financial and lifestyle needs of the family
  • Is a truly, holistic, solution-driven approach
  • creates the ability to work with top professionals

Wealth management professionals scour over and help with:

  • Wealth Management
  • Investment Management
  • Estate Planning
  • Asset Protection
  • Tax Mitigation
  • Charitable Giving
  • Mergers and Acquisition

Family and Personal Support:

  • Families don’t want to deal with paying bills. So, they hire someone to do them.
  • The wealthier you get the higher the taxes, so often times people pay others to manage tax mitigation.
  • Sometimes, you need protection from others if you’re successful or famous.
  • With many advances in medicine, concierge medicine is a way many wealthy families are going to get good healthcare.
  • The more wealthier you are, the more you want to enjoy yourself. Lifestyle concierge is a good way to do this.

Once exclusive, family office services are now available to people IF you know how to access them.

Want to ensure you don’t have any gaps or missed opportunities in your wealth planning? Click here to “Stress-Test” your current plan FREE.

Please remember that past performance may not be indicative of future results. Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product (including the investments and/or investment strategies recommended or undertaken by Gold Family Wealth, LLC), or any non-investment related content, made reference to directly or indirectly in this newsletter will be profitable, equal any corresponding indicated historical performance level(s), be suitable for your portfolio or individual situation, or prove successful. Due to various factors, including changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions or positions. Moreover, you should not assume that any discussion or information contained in this newsletter serves as the receipt of, or as a substitute for, personalized investment advice from Gold Family Wealth, LLC. To the extent that a reader has any questions regarding the applicability of any specific issue discussed above to his/her individual situation, he/she is encouraged to consult with the professional advisor of his/her choosing. Gold Family Wealth, LLC is neither a law firm nor a certified public accounting firm and no portion of the newsletter content should be construed as legal or accounting advice. A copy of the Gold Family Wealth, LLC’s current written disclosure statement discussing our advisory services and fees is available upon request. If you are an Gold Family Wealth, LLC client, please remember to contact Gold Family Wealth, LLC, in writing, if there are any changes in your personal/financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services.

Protect your wealth

Five Smart ways of how you can protect your wealth?

Five Smart Ways to Build a Moat around your Wealth

  • Get protected before a claim against you is made
  • Cover the basics I.e. homeowners policy, umbrella policy, auto insurance, etc.

Consider advanced asset protection strategies such as Equity Stripping, Captive Insurance Companies, or Establishing Trusts

  • Equity Stripping: In order to protect yourself against creditors, you’d take a bank own against your assets and creditors would have to pay the bank loan to get to your assets
  • Captive Insurance Companies: You’re basically setting up your own insurance companies, and whatever claims are made go through the captive. You now get the surplus instead of an insurance broker.
  • Establishing Trusts

Be sure your professionals are qualified to help you protect your assets

Avoid BIG mistakes that will trip up your asset protection efforts

Want to ensure you don’t have any gaps or missed opportunities in your wealth planning? Click here to “Stress-Test” your current plan FREE.

Please remember that past performance may not be indicative of future results. Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product (including the investments and/or investment strategies recommended or undertaken by Gold Family Wealth, LLC), or any non-investment related content, made reference to directly or indirectly in this newsletter will be profitable, equal any corresponding indicated historical performance level(s), be suitable for your portfolio or individual situation, or prove successful. Due to various factors, including changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions or positions. Moreover, you should not assume that any discussion or information contained in this newsletter serves as the receipt of, or as a substitute for, personalized investment advice from Gold Family Wealth, LLC. To the extent that a reader has any questions regarding the applicability of any specific issue discussed above to his/her individual situation, he/she is encouraged to consult with the professional advisor of his/her choosing. Gold Family Wealth, LLC is neither a law firm nor a certified public accounting firm and no portion of the newsletter content should be construed as legal or accounting advice. A copy of the Gold Family Wealth, LLC’s current written disclosure statement discussing our advisory services and fees is available upon request. If you are an Gold Family Wealth, LLC client, please remember to contact Gold Family Wealth, LLC, in writing, if there are any changes in your personal/financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services.

Business Taxes

Business Owners do you pay too much in taxes?

Strategies and Tactics for Business Owners

  • Reduce your Taxes
  • Protect your Business
  • Build Serious Wealth

How Business Owners can Reduce Taxes and Build Wealth

  • Maximize your tax deductions
  • Make significantly larger contributions (401k, set IRA plans, etc.)
  • Defer taxes on growth
  • Receive the lion share of the funds
  • Reward your employees
  • Predictability of your benefits and income in retirement

The Problem:

  • Most business owners are not effectively using retirement plans
  • “Plain vanilla” solutions do little to maximize personal wealth
  • Retirement plans established mainly to attract and retain top-tier talent
  • Not to build your own wealth, but your employees

The solution is an alternative approach to traditional retirement plans

  • Provides a Lifetime Retirement Benefit
  • Provides a death benefit
  • Significantly Larger contributions
  • Keeps pace with inflation and grows income tax free
  • Protected from the claims of creditors

Case Study (Hypothetical)

  • Two owners- Brothers 51 and 44
  • 11 Employees (including the Brothers)
  • Current Plan: 401K (Defined Contribution Plan)
  • Solution: Specialized Defined Benefit Plan
  • Will tell you the benefit you have at any point of time
  • Each brother will receive retirement benefit of: $5,625,000
  • Benefits continue for their spouses if they pass-away
  • Each Brother is provided a life insurance benefit: $1,875,000
  • Year 1 Contribution Comparison:
  • Plan type: 401K w over 50 years old catch up provision
  • Maximum contribution: $25,000
  • Tax Savings: $12,500
  • Plan type: Specialized Defined Benefit Plan
  • Maximum Contribution: $9,888,847
  • Tax Savings: $494,424

Want to ensure you don’t have any gaps or missed opportunities in your wealth planning? Click here to “Stress-Test” your current plan FREE.

Please remember that past performance may not be indicative of future results. Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product (including the investments and/or investment strategies recommended or undertaken by Gold Family Wealth, LLC), or any non-investment related content, made reference to directly or indirectly in this newsletter will be profitable, equal any corresponding indicated historical performance level(s), be suitable for your portfolio or individual situation, or prove successful. Due to various factors, including changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions or positions. Moreover, you should not assume that any discussion or information contained in this newsletter serves as the receipt of, or as a substitute for, personalized investment advice from Gold Family Wealth, LLC. To the extent that a reader has any questions regarding the applicability of any specific issue discussed above to his/her individual situation, he/she is encouraged to consult with the professional advisor of his/her choosing. Gold Family Wealth, LLC is neither a law firm nor a certified public accounting firm and no portion of the newsletter content should be construed as legal or accounting advice. A copy of the Gold Family Wealth, LLC’s current written disclosure statement discussing our advisory services and fees is available upon request. If you are an Gold Family Wealth, LLC client, please remember to contact Gold Family Wealth, LLC, in writing, if there are any changes in your personal/financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services.

Financial Stress Test

Get rid of your money worries forever by Stress Testing your plan, the Super Rich do, so should you!

Rationale for Stress Testing

  • Used to avoid Potentially Destructive Situations
  • And to ensure you can benefit from every possible opportunity.

The Need for Stress Testing:

Wealth Plans are dated… circumstances have changed

  • The level and structure of the family’s assets
  • Changes in family and other relationships

Wealth planning was done incrementally

  • A piecemeal process
  • Lack or synergy
  • Opportunities for cost reductions

Wealth planning is not as good as it could be

  • Pretenders and Exploiters
  • Availability of superior solutions
  • Too focused on technical wizardry and not the Human Element

Common Errors Found when Stress Testing

  • Income mitigation strategies not considered (These strategies would bring down the tax bite)
  • Estate plans don’t provide for your heirs like you want them to
  • Excessive amounts of poorly structures life insurance
  • Personal umbrella policies are inadequate (You want your umbrella policy to match your net worth)
  • Family wealth could easily be lost when children divorce
  • Inheritors likely to go to war
  • Asset protection plans have deadly “backdoors”
  • Charitable monies can easily be redirected

Two ways stress testing plays out

Stay the course (The things you have in place will pan out)

Or one of three things

  • Improve your plan
  • Identify and Fix problems
  • Show you strategies that might be useful that other people have not

Want to ensure you don’t have any gaps or missed opportunities in your wealth planning? Click here to “Stress-Test” your current plan FREE.

Please remember that past performance may not be indicative of future results. Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product (including the investments and/or investment strategies recommended or undertaken by Gold Family Wealth, LLC), or any non-investment related content, made reference to directly or indirectly in this newsletter will be profitable, equal any corresponding indicated historical performance level(s), be suitable for your portfolio or individual situation, or prove successful. Due to various factors, including changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions or positions. Moreover, you should not assume that any discussion or information contained in this newsletter serves as the receipt of, or as a substitute for, personalized investment advice from Gold Family Wealth, LLC. To the extent that a reader has any questions regarding the applicability of any specific issue discussed above to his/her individual situation, he/she is encouraged to consult with the professional advisor of his/her choosing. Gold Family Wealth, LLC is neither a law firm nor a certified public accounting firm and no portion of the newsletter content should be construed as legal or accounting advice. A copy of the Gold Family Wealth, LLC’s current written disclosure statement discussing our advisory services and fees is available upon request. If you are an Gold Family Wealth, LLC client, please remember to contact Gold Family Wealth, LLC, in writing, if there are any changes in your personal/financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services.

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